Summary
In this episode, Lynn Beattie is joined by Kia Commodore of Pennies to Pounds to discuss the common statement ‘I’m terrible with money.’ They explore the reasons behind this belief, including lack of education, fear, and societal taboos. They emphasize the importance of being kind to oneself and relearning money management skills. The conversation also touches on topics like pensions, wills, and the impact of emotional spending.
Overall, the episode aims to empower women and promote financial literacy. In this conversation, Lynn and Kia discuss various topics related to personal finance, including the influence of social media on spending habits, ways to learn about money, favourite personal finance podcasts, the importance of emergency funds, saving for different goals, and the challenges of buying a house. They also share their own experiences and provide valuable insights for listeners.
Keywords
money management, financial literacy, fear, education, societal taboos, pensions, wills, emotional spending, empowerment, personal finance, social media, spending habits, learning about money, podcasts, emergency fund, saving, goals, buying a house
Takeaways
- Money behaviours are often learned, and it’s important to be kind to oneself and recognize that improvement is possible.
- Money is a tool that provides choice and can be relearned through education and practice.
- Discussing money, including topics like pensions and wills, should be normalized to empower individuals and promote financial literacy.
- Emotional spending can be a coping mechanism, and it’s important to recognize and address unhealthy spending habits.
- Women often face gender gaps in various financial areas, and efforts should be made to bridge these gaps and empower women in finance. Social media can influence spending habits, so it’s important to be mindful of targeted ads and make considered purchases.
- To learn about money, follow personal finance influencers on social media, read articles online, and listen to personal finance podcasts.
- Emergency funds are crucial for unexpected expenses and should cover essential costs like car repairs, medical emergencies, and home repairs.
- Saving for different goals requires setting priorities and making financial decisions based on personal circumstances.
- Buying a house can be challenging, especially in expensive areas like London, but considering locations outside major cities can make homeownership more affordable.
Titles
- Empowering Women in Finance
- Addressing Emotional Spending Saving for Different Goals
- Challenges of Buying a House
Sound Bites
- “No one’s terrible at anything.”
- “Money is just a tool that gives you choice.”
- “People who are in the middle or on the lower end just don’t want to talk about it.”
- “Instagram made me do it”
- “How to learn. I can’t read my own writing.”
- “There are tons of podcasts again like on pennies pounds”
Chapters
00:00Introduction and Guest Introduction
03:12Exploring the Statement ‘I’m Terrible with Money’
09:02Recognizing Learned Money Behaviours
23:32Importance of Pensions and Wills
25:32Addressing Emotional Spending
27:31Learning About Money: Tips and Resources
35:07The Importance of Emergency Funds
41:36Saving for Different Goals
44:11Challenges of Buying a House
Full Transcript
Lynn Beattie (00:01.425)
Hi and welcome back to Mrs Mummy Penny Talks. And we are now on to episode six of The Big Questions. And today I am joined by another guest. Every episode is with a guest. And this week it’s with Kia Commodore of Pennies to Pounds, AKA Pennies to Pounds. It’s not really like Lynn, AKA Mrs Mummy Penny. Yours is more a generic name, isn’t it? Yeah.
Kia (00:20.91)
Yes, I think, yeah.
Kia (00:27.95)
Yeah, it’s true. It is, yeah. That is true.
Lynn Beattie (00:30.929)
But thank you ever so much for joining me. And we are going to be talking about the big question or the big statement, which is I’m terrible with money, which I get sent to me all the time on social media, DMs, comments, normally women saying that they don’t understand money, they’re scared of money, they’re not comfortable with it. So I thought it’d be a perfect thing to sort of explore with you because I’m sure you get the same.
Kia (01:00.27)
Absolutely, I mean, I get it all the time like you, people always think that, you know, if they’re bad then that’s it, or, you know, they can never improve. So yeah, I’m excited for this episode.
Lynn Beattie (01:09.777)
Yes. So before we get into the meat of the episode though, tell me about you and who you are and where you come from.
Kia (01:18.19)
Yes. So my name is Kia Commodore. I am the founder of financial literacy platform, Pennies to Pounds, which I started almost five years ago now in 2019. And at that time I was a third year uni student who was working part time at Apple at the time. And prior to that, I was recording YouTube videos, personal finance ones, predominantly for my friends because they didn’t understand things. Obviously it’s on YouTube so people could find it, but it was more so my friends wanted information and I was fortunate enough that I had the information.
Lynn Beattie (01:27.217)
Wow.
Kia (01:46.766)
And then it was the following year 2019 when the help to buy by ISA was closing. And one of my friends, she knew I was creating personal finance videos, I stopped at that time, asked me if I could explain it in layman’s terms, because she said my mother said I need to get it, but I don’t really understand it, so I can explain it so I can understand what I’d be opening up. So she told me to tweet it and then screenshot the tweets and put it on Instagram because it was easier that way. So I said, okay, I’ll do that. And then I remember making that Twitter thread.
And I posted it. I had like 800 followers at the time. Posted it. Went off to work. Didn’t have my phone on me. There were four hours later I came back and the thread had gone viral. I didn’t put it on Instagram yet. So the whole purpose of me doing the tweet was put it on Instagram. I didn’t put it on Instagram yet. And I had like 5 ,000 followers out of nowhere. And a couple of hours and I had hundreds of DMs asking me questions about this, that, which bank is good, how should I do this? And it kind of just spiraled from there. And it was initially just a podcast, Pennies to Pounds. And then in…
Lynn Beattie (02:42.129)
Wow.
Kia (02:44.654)
March, I say 2020. We all know what happened then, in the whole world. Everything went into lockdown. And then that’s when there was more of a demand for personal finance content in general. So that’s when I kind of expanded to social channels because it was, I was basically synonymous with the brand. So people would follow my personal channels, looking for personal finance content. I didn’t want to feel like I always had to post personal finance content. I couldn’t just post as a further uni student who’s also turning 22 and just wants to live her life.
That’s why I said, let me create the social channels, the website, and then it all kind of snowballed from there.
Lynn Beattie (03:18.513)
Yeah. And so at the moment then, so you’ve got your really successful podcasts, which it’s been going for a long time, hasn’t it?
Kia (03:26.094)
Thank you.
Yeah, it has, yes. We’re going for, this is technically the fifth year we’re doing a podcast now. It’s been a long time.
Lynn Beattie (03:32.665)
Yeah, and for a podcast that’s good going, that’s a long time, isn’t it? Yeah. And it does, it feels a little bit like everybody’s got a podcast now. But the thing is, I love podcast content. I walk a lot. So I do 15 ,000 steps a day for like,
Kia (03:38.894)
It’s a long time, it’s a long time, it is.
Kia (03:58.222)
My goal. That’s my goal.
Lynn Beattie (04:00.625)
It’s quite, it takes quite a long time, but it’s a lot quicker if you run it. That’s all I’ll say. But I consume a lot of podcasts when I’m out walking and I just love that medium of communication. I think it’s, you get such honest conversations. And I know we’re not sat in a room together, you know, we’re doing it online. And I think there’s a different level of intimacy when you’re in a room together, isn’t there?
or authenticity, whatever word you want to use. But yeah, you say stuff on a podcast that you wouldn’t say anywhere else.
Kia (04:35.47)
Absolutely. I mean, I’ve shared various stories on my journey that I probably have only ever shared on podcasts. I wouldn’t, not for any particular reason, but it’s just when you’re doing a talk, even if you’re doing like a keynote speech, it’s just not appropriate to say some stories because it just doesn’t fit in. Whereas on a podcast, you could just be talking and all of a sudden you go down a different topic. And now I’m sharing something I’ve never shared before because we’re just having a normal conversation.
Lynn Beattie (04:49.873)
Yeah.
Lynn Beattie (04:57.169)
Yeah, yeah, it’s just a great chat, isn’t it? So, right, let’s get on to the big question of then, I’m terrible with money. So basically, the concept of this, so this is season six of my podcast. There’s no pattern to the numbers. Like some seasons have seven episodes, some seasons have 30 episodes. I don’t really know. But I’ve had a break for a year because I think that, I think it’s,
Kia (05:00.558)
Yeah.
Lynn Beattie (05:26.833)
with podcasting you’re meant to put an episode out every week, no fail, but I was just getting a bit like I’d had enough of it and my creativity had run out, but I took a break for a year and now like I’ve got the creativity back again and I came up with this, I think is a really good concept for a season and it’s not just money stuff I’m talking about, it’s like career, it’s psychology, it’s, so like the first episode, episode two was,
Kia (05:34.254)
Mm -hmm.
Kia (05:42.702)
Mm -hmm.
Lynn Beattie (05:54.705)
What is happiness, which I talked to Timi Mr. Money Jar about. So, you know, we’re just, I’m just trying to open up like the things that I’m really interested in, because I’m not just money. Like I am, my strap line has always been healthy wealth, body and mind. So yeah, I want to talk about all this. And I really want to talk about like, women empowerment, particularly in our finance world, because there’s gender gaps on everything.
Kia (06:11.118)
Mm -hmm.
Lynn Beattie (06:24.689)
Pay, pension, investing, credit rating, debt, any kind of financial thing we could possibly talk about, women are worse off than men. So we are doing a great job, you for a younger audience, me for an older audience, meeting that educational need which is missing from society. Yeah.
Kia (06:48.398)
Absolutely.
Lynn Beattie (06:50.737)
So I’m so passionate about it. So yeah, so I’m terrible with money. Okay. So as I mentioned, I get that comment. It’s probably the most common comment I get from people over the years. And it’s always women that say it. Men tend to, whenever men comment on my stuff, they just tend to know it all. Sorry if you’re a man listening. Mansplaining is such a thing. my gosh. Like,
Kia (07:12.366)
Yeah, I agree with that, yeah.
Lynn Beattie (07:20.049)
I put a tweet out yesterday saying, you know the use of a comma in a sentence. So let’s say, I use the example, love, power and money, or love, power, and money. So it’s the use of the Oxford comma. And I don’t know which one to use. And I had so many men commenting on ****** Twitter.
Kia (07:28.014)
Yes.
Kia (07:37.646)
and money. Yeah.
Lynn Beattie (07:50.001)
just giving me advice and telling me the right way to do it. And then I had like a few women writers put in a comment saying, well, they’re like, it’s sort of up to you. Like you can use either option. It’s just a lot more collaborative, the women’s comment.
Kia (07:56.686)
Mm -hmm.
Kia (08:03.854)
I know, yeah, I think women, well, in general, not knocking any men who listen, I think in general women want to uplift, well, not all women, generally, they want to uplift and they want to make you feel silly, whereas for like men will say in a way that makes you feel like, well, of course it’s this, it’s a stupid question sometimes, it’s like, okay, just ask the question.
Lynn Beattie (08:08.753)
No.
Lynn Beattie (08:18.065)
Yeah. Yeah.
Yeah, yeah, yeah. But anyway, the debate rages on, like you said, with things that go viral, not that this has gone viral, but it’s reached like, I don’t know, 10 ,000 people or something. You can put the most bizarre things onto social media that then just go absolutely crazy. And then you see all those comments from people. Because I suppose, did you say that your tweet was about the Lifetime ISA? Help to buy ISA.
Kia (08:48.878)
It was about the help to buy ISA because that was closing and then I did a following one about the lifetime, I say yeah.
Lynn Beattie (08:53.713)
Yeah, which are like, they’re quite complicated. They’re perceived to be quite complicated, scary subjects, aren’t they? But people really don’t understand. So I can sort of understand why that kind of thing went viral. But yeah, so, yeah, so the concept of I’m terrible with money. So I suppose what does that statement mean? What does that statement mean to you when you get people saying that to you?
Kia (09:02.702)
Mm -hmm.
Kia (09:18.83)
So I think for me, I hear that quite a lot from the pennies, pounds community and also people with my personal lives, a lot of my friends because of what I do will come and say, my gosh, Keia, I’m just so terrible with money. And I think inherently, as we are born and we grow up, no one’s terrible at anything, right? You might have strengths in certain things and weaknesses in others, but no one’s terrible at anything. And I think a lot of people don’t realise that your money behaviours are often learned.
Lynn Beattie (09:25.553)
Mmm.
Kia (09:47.246)
So when you’re a child and you grow up, you take them on from your first teacher in life, which is going to be your parents. So if your parents were weary of money, you probably got to grow up and be very weary of money. Or if your parents were emotional spenders, but you didn’t know what that meant at the time, you may develop that and turn into that. So I think a lot of people just don’t give themselves enough grace to realise, you know what, I’m not terrible at anything. Like, for example, people say all the time, I’m terrible at maths, right? I’m not amazing at maths, but I wouldn’t say I’m terrible, right? But no one’s…
Lynn Beattie (10:13.233)
my god, yeah.
Kia (10:16.814)
genuinely terrible, cool. It might be a weakness of yours. You might say I’m not great at it. Like I’m not amazing at it. But with enough training and learning, especially my GCSEs, I spent pretty the most time was on maths because I wanted to just get a decent grade and I got a decent grade. So I mean, I wasn’t terrible at it. I just required more learning and trying to understand the concepts compared to someone who may be more gifted at it. And that’s just the difference. So I think it’s just being kind to yourself and realizing that maybe I’m not terrible with it. Maybe I just need to just…
Lynn Beattie (10:29.265)
Hmm… Hmm…
Kia (10:45.454)
learn a bit more about how money works and maybe some of my pitfalls and things that I can change to better my money habits.
Lynn Beattie (10:51.153)
Yeah, I think you nailed it with the word kind. We just need to be kinder to ourselves. We are not terrible at anything. And the thing with money is you can relearn it. You can just pick up some of the basic concepts of money. I always say to people when they come at me with that statement, money is just a tool.
Kia (11:00.686)
Exactly.
Lynn Beattie (11:21.681)
that gives you choice. Money doesn’t buy you happiness, but it gives you choice. I’ve used this example in other situations, but I got divorced in 2020, and I wouldn’t have been able to get divorced if I didn’t have money.
Kia (11:23.598)
Mm -hmm.
Kia (11:40.494)
Hmm, that’s true.
Lynn Beattie (11:41.873)
classic example, you know, if you’re with an unsuitable partner, boyfriend, husband, whatever, you need to have some money to get away. Sometimes it’s a split up. But I think, so yeah, the sort of basics and when I go into schools and say talk to teenagers about money, I’m like, it’s sort of three simple principles. It’s spend less than you earn.
I always go in with pay yourself first, so you save a little bit. And then I do some very basic sort of budget exercises with the kids. And that’s almost like, that’s the base. I think spend less than you earn is sort of it really, isn’t it? That’s the overriding concept of money.
Kia (12:16.91)
Yes, I agree.
Kia (12:38.51)
Yeah, absolutely. I think I speak to people all the time. And again, I have a lot of friends probably because of my age. I’m in my mid -twenties and a lot of my friends are just figuring it out. And that also comes down to money. They’re just trying to figure out. A lot of people just got their first big time job, sort of the first big salary. And you’d be surprised, even last week I had to have a conversation with my friends because he works a lot. He’s got quite a few side hustles, but often money will come in and then go straight back out.
Lynn Beattie (12:51.089)
Yeah.
Kia (13:07.854)
or something quite frivolous. And I would say to him, like, I get it, we’re young, there is that enjoyment element, but if you earn 300 pounds from a side hustle, 300 pounds shouldn’t go straight back out unless you have to cover a bill. Like, and I know he’s not covering a bill, he’s buying some, I don’t know, some T -shirts or something that he wants. Yeah, something like that. And I’m just like, that’s not how, it’s not sustainable.
Lynn Beattie (13:08.369)
Yeah.
Lynn Beattie (13:24.209)
Yeah.
Kia (13:29.454)
And I think I had a conversation with him and I said, do you have savings? And he said, I don’t need savings, I earn money. And you know, it’s quite often that things like the paycheck things, like I earn money, the money’s gonna come in, I can just kind of spend. And I said, I get it until something goes wrong. It’s like this idle place you’re in because it’s like everything’s running smoothly and everything’s running fine. But last year for myself, everything was fine. I was driving and my brakes went in my car, completely went and that was 400 pounds gone.
And I told him, if something like that was to happen to you, you don’t have savings to fall back on. I did, so I could fix my car the next day. But you know, you don’t, and now what you’re going to do, try and get another job to take that money and put it straight in your car. It’s not really a sustainable way to live and manage your money.
Lynn Beattie (14:00.529)
Yeah.
Lynn Beattie (14:09.809)
Mm -hmm. And that’s a very common thing, isn’t it? People living from paycheck to paycheck. Through, you know, sometimes through, I’m almost thinking like there’s some people on lower incomes that have no choice, you know, they can only, some people can’t afford to like feed themselves and their families and you have to go to food banks. So of course people.
Kia (14:28.046)
Mm -hmm.
Lynn Beattie (14:37.713)
that living paycheck to paycheck. But then you do have, and I’m really guilty of actually no. I’m thinking about what I was like in my 20s, because I’ve made quite a lot of financial decisions in my life. And some of them have been good, some of them have been bad. But I was quite frivolous in my 20s. Like I worked in the city, like I was working for a bank, then I went to work for Tesco’s.
was an accountant, so I was on a really good salary. And I had a boyfriend who had quite a bit of money as well. So we went on a lot of extravagant holidays. I developed a penchant for designer handbags. I did work out once how much I spent on designer handbags, and it’s a lot. But you know what, still got them.
Kia (15:23.374)
Yeah.
Kia (15:35.374)
That’s what matters, they’re investment pieces. Investment pieces, that’s what they are.
Lynn Beattie (15:35.769)
I don’t know, I don’t know. It used to be a lot cheaper for a Louis Vuitton bag than it is now. Loads cheaper. I’ve got a little Louis Vuitton pouchette, a little evening bag. I bought it when I was 22 with my first ever bonus from HSBC and it cost me £220. The same bag now, because you can buy the same bag, is £900.
Kia (15:50.222)
Mm, yeah.
Kia (16:04.238)
Wow! That’s crazy!
Lynn Beattie (16:05.905)
25 years of inflation. Yeah.
Kia (16:09.838)
Wow.
Lynn Beattie (16:11.537)
And the Louis Vuitton bag, it still looks as good as the day it was bought. Yeah, so it’s interesting when you… But I can’t sell it, so is it an investment?
Kia (16:20.014)
That’s an investment. You made an investment. Yeah.
Kia (16:27.822)
I couldn’t set it. People will buy it. It’s vintage.
Lynn Beattie (16:31.089)
Yeah, it’s mine. No one’s having it. But yeah, yeah, yeah, I could sell it, I suppose. But yeah, so there are lots of reasons why people are terrible with, why people say they’re terrible with money. So there’s lack of education, there’s fear. So people are scared of money. Now I had a conversation on Tuesday with a senior, a senior female person in a company.
Kia (16:33.838)
There you go, fine, fine.
Lynn Beattie (17:01.041)
And she was like, I’m so happy to talk to you because I’m really into money. I do all the money stuff at home and I’m like, what about your pension? And she was like, no, no, no, I don’t understand any of that. And she was like, she was my age. So, you know, I’m 47. So you really need to start thinking about your pension. When you get a bit older, like I am, and she was. So I was like, can I just say to you, all your pension is, is a savings pot.
for when you don’t want to work anymore. And it’s really tax -efficient. That’s all a pension is. I think people just get really scared of the words and bury their head in the sand. And there’s just so much fear and taboo around money, isn’t there?
Kia (17:33.742)
Hmm.
Kia (17:47.118)
There’s so much and I think pensions do themselves a disservice because I feel like the name isn’t exciting, doesn’t sound like something I want to look into. It sounds very not for me. And like I said, pensions are so important. And I think even on the urban spectrum, I’m also my pensions to young people because people always say, you know, I think about it when I’m in my 40s and 50s and I’m like, that’s way too late then. But in general, money is that taboo subject. Unless I find, unless you’re doing…
extremely well, then you want to flaunt it, you want to tell everyone about it, you want to talk about how much money you have, you want to show how much money you have, then people don’t talk about money. People who are in the middle or on the lower end just don’t want to talk about it. And I think even, obviously my friends know I will bring up money all the time, different conversations. And I’m not, I’m the friend who’s not afraid to tell people that’s expensive, that restaurant. I’m like, no, we’re not going there. I mean,
Lynn Beattie (18:30.673)
Mmm.
Lynn Beattie (18:34.545)
Mm -hmm.
Kia (18:42.414)
Me personally, I’m only going to get one thing. I don’t mind saying those kind of things because I don’t really fear talking about money. Exactly, it’s my job and I’m not really fast. So I think a lot of my friends find comfort knowing that if we’re going to go out of KIA, KIA is going to find something which is probably cost efficient because we’re going to go to a restaurant and I’m going to say, right, we’re going to get this, this and this for that price. That’s a good deal. Or if it’s too expensive, I imagine like someone’s birthday, I might just say, I’ll be there, but I’m going to get one thing because I’m a really expensive restaurant and I just don’t really feel like it fits my budget.
Lynn Beattie (18:48.273)
Your job.
Kia (19:12.462)
today. So a lot of my friends find like, whew, here’s the one who can speak. I don’t have to feel like, you know, some friends will just go out and take things out on credit just to be able to go to places, a place just saying, I can’t afford that. Exactly. Just saying, I can’t afford that. Which is why I think we need to make it more relevant conversation. And I shared a while ago on TikTok that when I was working one of my jobs, we all had a pay rise, so everyone who worked there.
Lynn Beattie (19:22.001)
Mmm, keep up with the Joneses.
Kia (19:41.166)
We had to go for a five minute meeting or 10 minute meeting to talk about what we’re doing well, what we can improve on in our pay rise. And then when I went in, so everyone was telling each other, I made it a thing. I said, everyone come out and tell us what you got. Cause we’re all doing the same role, similar hours, we should all be on the same thing. So everyone come out and say, I got this, I got that. And then I remember I went in and I got offered, spread my nuts on the hourly rate. I got offered like a pound or two lower than everyone I’d heard the whole day, right? Men and women.
Lynn Beattie (19:55.537)
Amazing.
Kia (20:06.062)
So everyone was on the same thing and then I got offered lower. And there was no reason because I was doing a great job. There was very little to work on compared to my peers. And then I said, well, that’s not fair because I know that some of my peers have gotten XYZ, we’re all doing the same job, same hours. I should be on this. And they didn’t like that. My managers were like, well, we shouldn’t be talking about money. Like, why is everyone discussing it? Blah, blah. And they’re like, who do you speak to in material? Just know that I know. Anyway, they brought mine up. But then the next day.
they called a team meeting and they said that it’s inappropriate to discuss what has been spoken about at your individual meetings because they’re meant to be private and one -on -one, right? And I think they asked and they said like, who was kind of like, who interrogated it? And I said, guys, you can say it’s me. I’m not afraid. Because I don’t think that’s my personal information. I don’t know why you shouldn’t be able to tell someone, I’m on X amount per hour. You’ll work here. But I think again, it’s very, it’s higher up than people realise.
Lynn Beattie (20:40.689)
No.
Kia (21:02.382)
the fact that it’s so taboo in our society to talk about money because I was my manager at the job called a team -wide meeting to say, don’t talk about how much you’ve got as a bonus or a pay rise at work.
Lynn Beattie (21:13.489)
Yeah, I am recording a podcast. My son’s just walked in because he’s on GCSE. He’s not got an exam this morning. I’ve got three boys at 16, 14 and 11. So.
Kia (21:20.27)
That’s fine.
Kia (21:31.182)
my gosh, you’re always busy, Lynn. my gosh.
Lynn Beattie (21:34.033)
I know, very, very. I’ve lost my train of thought. Yeah, I was going to say to you about the taboo subject. So we are very privileged in the job we do that we’ve got these incredible platforms where we can talk about some of these areas. And I really enjoy talking about taboo things. So I have no qualms talking about…
divorce and particularly the sort of financial side of it, just to help people because that’s something that people find so scary. Another thing that I talk about a lot is death actually because it’s inevitable, it’s gonna happen to all of us. And, you know, things like we should all have a will, particularly if you’ve got financial responsibilities, you know, if you’ve got a mortgage, if you’ve got kids.
Kia (22:16.398)
That’s true, yeah.
Lynn Beattie (22:29.009)
do you know what? I’ve had the challenge back to me, like, I’ve got, I’ve got no money. Why should I write a will? Well, no, there’s other things you put in your will, like the songs you want played at your funeral and, you know, what you want to happen to your favorite necklace or, you know, it’s just, it’s just an expression of wish, but a legal expression of wish for when you die. so yeah, I just, I just think, yeah, be bold and talk about those kinds of things that people are scared to talk about.
Kia (22:40.814)
Mm -hmm.
Lynn Beattie (22:58.161)
because then we’re making it more socially acceptable.
Kia (23:03.566)
Exactly, exactly. And I remember off the back of Will’s, I remember a couple of years ago, so I was probably what, 24? My friend was 23. And she asked me to come to be a witness for her Will signing. And I was like, you’re 23? And this was, even though I understood Will, I was like, what exactly is she writing in her Will? And she let me have a look over it. She wanted to give stuff to her mom and her brothers and her family members. And I was like, yeah, that’s actually quite interesting. Because this is the beginning stages of the building’s business. So I…
similar to what people have said, I didn’t think I had a lot to give. I mean, yes, I have a few things that mean stuff to me, but I didn’t think I had enough to put into a will at my age to have one written. But when I saw her with her one, I said, that is so smart. She was like, I’ll update it as and when, and I’ve been back since, I think about two years after that, she updated it and I have to be a witness again for it to sign her will. But I was like, wow, wow, yeah, there is stuff that you can still put down. And I don’t know anything that happens, she’s not ill, nothing like that, but she just.
Lynn Beattie (23:32.689)
Mmm.
Lynn Beattie (23:52.273)
Mmm.
Lynn Beattie (24:00.113)
Mmm.
Kia (24:00.654)
has now got assets and things that she wants protected. So she’s like, let me just get one written as early as possible. And I can update it as and when major things change, which is a smart plan.
Lynn Beattie (24:04.081)
Mm.
Lynn Beattie (24:09.905)
Yeah, yeah, yeah, that’s the thing with wills is things change all the time. So you have to make sure it’s updated. Like when you get divorced, you know, make sure that your money isn’t still going to your ex husband. Also, really, a really important thing to check on that because it came up, I was with, I was with pension B yesterday for lunch, and we were talking about expression of wish forms. So basically,
Kia (24:22.958)
mmmm
Lynn Beattie (24:39.537)
if you die under the age of 75, your pension pot, your defined contribution pension pot goes to the beneficiaries you put in your expression of wish form. And I was like, my gosh, Brooke, I don’t think I’ve done my expression of wish form. And she was like, right, we opened up the app because you can do everything on the PensionBee app. This is not an ad for PensionBee B, but I do work with them as a business partner. And she showed me how to do it in the app.
Kia (25:02.174)
Yeah.
Lynn Beattie (25:07.601)
Like I’ve got 150 grand in my pension, right? I had no people set up.
Kia (25:10.318)
Mm -hmm.
Kia (25:13.886)
my gosh.
Lynn Beattie (25:15.537)
So then I was like, so I literally filled it in then and there. I’m like, this is now legally binding, isn’t it? That, you know, my money now goes splits three ways between my kids. It’s as simple as that. And yeah, so I literally set up my expression of wish then and there when I was at lunch with Brooke from Pension B. It was amazing. But then I was like, well, what would have happened if I, you know, walked out of here and died? And she was like, well, it just would have…
Kia (25:24.526)
No, of course, yeah.
Kia (25:32.11)
Can you imagine?
Lynn Beattie (25:44.433)
followed the sort of rules in your will, which I mean, my will says the same thing, but she was like, that would have taken a really long time. It’s much a quicker process when you’ve got your beneficiaries up in your expression of which anyway, that was just a interesting thing that because and I, yeah, really important to know and also that like, none of us are perfect. Like, I make financial mistakes all the time. Like,
Kia (25:51.438)
Mmm.
Kia (25:59.118)
That’s good, that’s good to know.
Lynn Beattie (26:11.281)
Emotional spending is a really big issue for me. And it’s almost so I’ve got I’ve got I’ve got a lot of healthy coping mechanisms for stressful times, but I’ve also got some unhealthy ones. And my unhealthy coping mechanisms are sugar, eating sugar. I’m addicted to sugar. So hard to break it. And I spend money and I get to get that, you know, that endorphin hit of, of
Kia (26:32.174)
You
Kia (26:39.918)
Anyway…
Lynn Beattie (26:41.073)
Like a few weeks ago, I spent like 50 quid on some makeup like I didn’t need to spend 50 quid on some like Miracle balm. I didn’t need to but Instagram made me do it
Kia (26:47.054)
No.
Kia (26:53.774)
yeah. it’s always the social media. it’s always that targeted ads.
Lynn Beattie (27:01.137)
Yeah, yeah, yeah, yeah. And making that instant purchase when you see it. Like, if you just chuck it in a basket and think about it for 24 hours, there’s no way I would have spent 50 quid on that makeup. There we go. Yeah, yeah. So definitely, definitely work in progress. So, right, what have I written there? How to learn. I can’t read my own writing.
Kia (27:16.622)
Yeah, no, 100%. 100%.
Lynn Beattie (27:30.661)
Yeah, so if you feel like you don’t understand the basics of money, what would you recommend people did as sort of a simple, quick, easy way to learn the basics?
Kia (27:47.758)
I think simple, quick and easy, what I would say is number one, most people on social media, find someone like me or you to follow, to understand because we’re all sharing the basics. Number two, I would say would be to figure out what it is that you actually want to learn and then just go and find articles online because I think, well, I mean, it’s the blessing and the curse, but I found since the COVID pandemic, there has been a bigger…
Like Sean on personal finance. So there are so many articles which will break down what is budgeting how to say what’s I don’t know The 50 -30 -20 budgeting rule or all those things that you might have heard of you don’t understand there are Probably hundreds of thousands of articles online now that will simplify it for you So you can just type in that term and you can understand that and number three would be to listen to podcasts Obviously if you listen to this one now, then you’re already on the right track But there are tons of podcasts again like on pennies pounds
Lynn Beattie (28:40.657)
Mmm.
Kia (28:45.998)
I think it’s, I don’t know if you find the same thing, but I will record episodes. Like obviously I’ve done episodes on how to budget. I’ve done episodes on savings, but sometimes you need to do it again. Obviously in my head, I’m like, we’ve really done that. But if new people listen all the time, that even though I might’ve done it six, eight months, a year ago, you do it again and it is still a fresh episode. And for someone else, it’s still gonna take new information from it. So there are always podcasts which are putting out content all the time.
Lynn Beattie (28:59.217)
Yes.
Kia (29:12.654)
to break down those topics into simpler pieces.
Lynn Beattie (29:13.073)
Yeah.
Lynn Beattie (29:16.817)
What are your favourite personal finance podcasts? Obviously, Pennies to Pounds and Mrs Mummy Penny Talk.
Kia (29:20.494)
that’s a good question. Obviously. no, I was going to say yours. Yes, there we go. I would say, so if you’re talking UK based and this sounds weird, but my dad has got me onto some US ones just because yeah, even though it’s not like you can’t necessarily take it because they’re talking about dollars and stuff, but the overall concepts and what they talk about is still very interesting and it’s more macro. So it’s more like on the global level. if you’re talking about, you.
Lynn Beattie (29:35.729)
Why really?
Lynn Beattie (29:42.897)
Mmm.
Lynn Beattie (29:46.737)
Yeah.
Kia (29:49.806)
Okay, based. I like Laura’s one, Money, Mind and Soul. Her one’s really good. It’s about more psychology of money and how that factors in. But yes, Laura Ann Moore. Yeah, sorry, I was just throwing Laura there. Yeah, Laura Ann Moore. I know, just Laura, sorry. Too personal. I think everyone, all of our peers who’ve got podcasts, obviously, Timi’s got the Mr. Money, Darcelle. Everyone has got great podcasts, but.
Lynn Beattie (29:55.153)
Yeah.
Lynn Beattie (30:00.049)
That’s Laura Ann Moore, just to give her a name check. Just Laura.
Kia (30:19.534)
If you’re talking about the American ones, like I mentioned, then Planet Money, Planet Money are very interesting. So they, they’re less about, you know, how to budget, what you’re saving. They’re more about things that you wouldn’t understand. Like, for example, the interest one of my lads sent me was why is, you know, in the U .S. they can’t bank transfer. So why is that the case? Yeah, they can’t bank transfer. That’s why they have Cash App and that’s why they use that. Bank transfer is not part of their system. It’s so archaic that they don’t have that.
Lynn Beattie (30:48.177)
my god!
Kia (30:49.358)
Exactly, but I find that quite interesting. So I think if you’re looking to understand about money in that aspect, Planet Money and my MPR is really interesting.
Lynn Beattie (30:57.457)
That’s really interesting. I think it’s really important to look at money on a micro level, but also on a bigger macro level. I talk quite a lot about economics on radio and TV and stuff. I studied it and I’m just really interested in it. I’ve got a maths degree, but I’d love to do an economics degree.
Kia (31:08.814)
Mm.
Kia (31:23.31)
Really? You should go do it. You should just do like one of those ones you can do at home.
Lynn Beattie (31:27.057)
Yeah, like an open university. Well, I live near Cambridge, so really, I’d quite like to, but I looked up the cost of it. So to do a masters, so a masters is like a year or two at Cambridge Uni, and I know it’s because it’s Cambridge. It was like 30 grand.
Kia (31:28.91)
Yeah!
I was eating them. Yeah, you should apply for that.
Kia (31:39.31)
Thanks.
Kia (31:49.934)
No, it’s because it’s Cambridge because I looked at a Masters similar to you to do economics, but not I think it was like Coventry or Warwick or something else somewhere else because I went to Coventry University. So that’s why I was looking that side and it was like 13 ,000. So that goes to show you that it’s 30 grand because it’s Cambridge. That’s crazy.
Lynn Beattie (31:51.825)
I’m done!
Lynn Beattie (31:59.505)
Warwick’s good, though.
Lynn Beattie (32:10.289)
Yeah, I don’t know. It might be something I do. Do you know what? I might do it when my kids are older and they’ve sort of left to go off to university because I’m going to have so much time then. Like for a lot of women, once they reach their 50s, traditionally, that’s when your kids are a bit… I mean, I’m still three years away from 50s. Very long time.
Kia (32:24.782)
Yeah, that’s true.
Kia (32:37.838)
My dad just turned 50, so he’s living Lovita Loca. I’m 26, my brother’s 21. He’s good, he’s living a high life now.
Lynn Beattie (32:45.521)
Yeah, he’s off. Yeah, his kids are flying the nest. Yeah, yeah, you got to wait for your kids to fly the nest though, which doesn’t happen when you’re like…
Kia (32:50.222)
haha
Yeah, I’m still at home. I’m still home.
Lynn Beattie (32:57.905)
Yeah, yeah, I’ve been really thinking about this bank of mum thing. Very different in my household because it is just me. Like, how long am I going to have to provide for them for? You just don’t know, do you? Like, and I live in the South East, but I live in a, my house is too big. So really I need to downsize.
Kia (33:08.366)
Mm -hmm.
Lynn Beattie (33:26.289)
and it’s too expensive, so if I downsized, I’d save a load on my mortgage. But like, there’s lots of room in my house for my children, and I don’t know how long I’m gonna have to provide room for them, do I?
Kia (33:39.118)
Yeah, that’s the hard part. I mean, so in my household, it’s just three of us, just my brother, my dad and myself. And I think Bank of Dad was done a long time ago. I’ll be honest, Bank of Dad was done probably when I was in sixth form. That’s when we came to a sharp end. University, I very much have been, I’ve been myself. I’ve done a YouTube video on that and like how I had to just find money elsewhere. And I’m glad he did that. What was it at the time when you’re 18 and you’re thinking, Pops should help you, you know, but I’m glad he did because it made me.
Lynn Beattie (33:53.169)
Yeah.
Lynn Beattie (33:59.217)
Yeah.
Lynn Beattie (34:03.921)
Mmm.
Kia (34:09.166)
figure out and go and get a job and kind of do all those kind of things. But yeah, obviously I do still live at home, but we moved from London, which we had a, it was a massive house, absolutely massive house, to Dibby’s in England and Suffolk, where we had the three bed house. So we had like a five, almost six bedroom Hayoosa rooms in London, and now we’re in a three bed here. I think this is, this is great. It’s nice, it’s greener than London. And I guess it’s cheaper in my last pocket as well.
Lynn Beattie (34:36.529)
Yeah.
Kia (34:38.83)
So that does help. And I said, I saw my dad, that if you want me to move out, I’ll move out. I think secretly, I think deep down, I think you’re pretty sure the same thing. He doesn’t really want me to. I’m not gonna say like, yeah, if you want to move out, you can move out. And I’ll say like, okay, I’m looking at places, like why? Why are you looking? Like, just stay here. I’m like, see, you want me at home. I know you like when I’m at home. You do, you like it when I’m home. He does. Yeah.
Lynn Beattie (34:54.321)
Awwww… He just wants to keep you at home.
Lynn Beattie (35:02.193)
that’s cute. That’s so cute. Yeah. Can we talk a little bit about money goals? Because I think you’ve already alluded to the importance of an emergency fund. But we’ve all got different things that we would like to save some money for, right? So start with the emergency fund, which is, it’s meant to be, but I hate all these, you know, like you said, the 50 -30 -20 rule, I just think it’s a load of bollocks, like…
Kia (35:07.886)
Yes!
Kia (35:13.998)
Yes.
Lynn Beattie (35:31.185)
I know it’s a framework, but like, so you’re meant to have this three months worth of essential expenses in your emergency fund, but like three months of essential expenses for me, because I got a really expensive mortgage and three kids would be like nine, 10 grand. So I’m not comfortable having 10 grand just sat in a, you know, instant access cash savings pot. So I’ve got more like,
Kia (35:46.222)
Mm -hmm.
Kia (35:50.286)
a lot of money.
Lynn Beattie (36:00.337)
a month and a half of expenses in my emergency fund. But what that emergency fund is meant to cover is literal emergencies, like your brakes messing up on your car, like four new tires that I’ve been told I’ve got to get at the next service, when the washing machine breaks. And you know, a new washing machine is not cheap to buy, repair, or whatever. So it’s for those kinds of things. It’s not for holidays. It’s not for…
Kia (36:01.774)
Mm -hmm.
Kia (36:21.262)
Mm -hmm.
Lynn Beattie (36:27.185)
I suppose it’s for medical emergencies, isn’t it? Like, I don’t know, if you needed like an emergency dental treatment done or something like that. But yeah, so it’s really important to have.
Kia (36:38.19)
Yeah.
Yeah, absolutely. I think my emergency fund, so I always knew that it was important to have an emergency fund. And there was one point, again in uni, I think university is when everything happened to me, but university, also in my final year, actually, but at the beginning of my final year, I was writing my dissertation, had my emergency fund there, but I was also still working, so I wasn’t really that focused on it. I think I had probably about, at that age, about 20, 21, I had probably about £700, £800 in it, in that emergency fund, which is a lot for me at that age.
Lynn Beattie (37:09.873)
That’s a lot at that age, ****** hell, yeah.
Kia (37:12.078)
That was a lot of money because I’d put away, so I think I earned about £800 a month working part -time and I’d put away about £200 of that into my savings because I didn’t really need that money. I was living at university, you know, didn’t really need a lot of that. Sometimes I’d take it out for different things, but cool. I think at that point I had that saved. And then I got into an accident, non -fatal, but I broke my arm, which then meant that I couldn’t finish my dissertation in time, so I had to delay uni for a year. And then I couldn’t work.
Lynn Beattie (37:38.513)
my god. my god.
Kia (37:41.614)
Yeah, so my part -time job, I couldn’t work anymore, so I was working at Apple and I was on probation, six months probation. And I was going to pass it. That was fine. That wasn’t the issue. The issue was I broke my hand and I had one week until my probation expired, which meant that I had to take my sick leave, obviously the week before, but that meant I wasn’t entitled to sick pay. So I had no pay for three months because I broke my arm. So if I broke my arm a week later,
I would have been completely covered. So I meant no income for three months. So I had to live off that emergency fund. Like you said, we used the medical costs, that is what it meant. I couldn’t work because I physically had one arm and I had to rest. But that was the money I had to live off. I mean, I wasn’t really going out or doing anything, but I had bills that still had to come out because I pay for a lot of things at that point. So I still had to finance that, which was great. I had that fun there. But it meant that when I got back to work, I had to really work hard to put the money back in and top it up.
Lynn Beattie (38:13.361)
my god.
Lynn Beattie (38:27.953)
Mmm.
Kia (38:39.054)
But again, you shouldn’t be afraid to use your emergency fund because that is literally what it’s for. That was an emergency. Didn’t plan on obviously breaking my arm, but it was there for me to fall back on. And then when I’m fine again and I can earn money again, I continue to replenish that money. And just a constant cycle and use it whenever you need.
Lynn Beattie (38:53.809)
Yeah. Yeah. And I think you make that emergency fund whatever you’re comfortable with. So when I was so in between 2017 and 2019, I got into a real mess with debt and had 16 grams worth of debt, which I paid off. But I also built up a teeny tiny emergency fund whilst I was paying off that debt of only a thousand, not only a thousand pounds. I know a thousand pounds is a lot of money, but that’s what I felt that I just needed as my emergency fund there.
So, you know, when you’re paying off debt, when emergencies happen, because of course something’s going to happen. You just want to have that pot there that you can dip into, not go deeper down into debt again. So that worked really well for me when I was paying off my debt, which, yeah, I have talked, there’s another episode which is called, My Debt is Out of Control, which,
Kia (39:35.853)
Mm -hmm. Mm -hmm.
Lynn Beattie (39:53.393)
It was earlier than this episode. It’s with Sarah Williams from Debt Camel. So that’s worth listening to if you’re listening to this and you’re in debt. Because all the strategies are in there and Sarah is amazing talking about debt. So yeah, so there’s other goals you might have. So your goal might be to pay off some debt, as we’ve alluded to. But then your goal might be to have incredible holidays every year.
Kia (40:05.518)
Thank you.
Kia (40:10.51)
Yes.
Kia (40:19.566)
Yes, yeah, yeah.
Lynn Beattie (40:21.937)
better to save up for them than chuck it on a credit card.
Kia (40:23.758)
Absolutely, I mean anyone who knows me and just stumbles upon my Instagram knows I love to travel and I think I’m out. I love to not be in this country. I think, I do, I think this year, I think I’ve set myself a record. I’m pretty sure I’ve been away every month since the year started. Yeah, even just small trips. So I have to do it in order. So in…
Lynn Beattie (40:32.049)
You love your holidays!
Lynn Beattie (40:36.913)
Me too!
Lynn Beattie (40:46.285)
So where have you been? Where have you been so far?
Kia (40:53.39)
January I went to Canada. In February I went to Malaga, Spain and Zanzibar. So that was like a collective thing that I booked. That was cool. Did I go in around March? my gosh, I’m gonna forget some of these. There’s so many, I don’t remember. At some point I went to Egypt. I don’t remember when. I went to Jamaica. That’s where I went in March. I went to Jamaica. April was Egypt. Or was that May? See, I can’t keep track. I don’t know.
Lynn Beattie (41:02.225)
Kia (41:22.734)
I don’t know. And then this month I’m going to Cannes and Amsterdam. So that’s fun. And then next month I am gonna go to America. And that’s me for the minute. That’s me, that’s me. Done, that’s me. I know. But a lot of them I plan for. So I think people see my Instagram and obviously know what I do. And they’re like, well, should you just kind of spend? And I’m like, no, the difference is that I work and I have savings.
Lynn Beattie (41:35.665)
That’s so many holidays! That must have cost a ****** fortune!
Lynn Beattie (41:48.561)
Yeah.
You’ve saved!
Kia (41:52.814)
So I plan what can I afford and what can’t I afford. If I can’t afford this for my savings, then I’m not gonna go in it. Or like, Malaga was a smaller one. France this month is smaller ones, because they’re in Europe, so obviously, Europe’s cheaper for us from the UK, so I can do it.
Lynn Beattie (42:06.833)
The thing is, Kia, is like, you haven’t got kids, like, you’re in your 20s. Like, when I was in my 20s, I travelled everywhere. I came so much money on travelling because you’ve got that freedom. Like, if you have the money and if it brings you joy and happiness, do it. I say.
Kia (42:12.302)
Industry, yes.
Kia (42:22.766)
That’s true, that’s true.
Kia (42:28.494)
Yeah, I think that’s where I am. Yeah, and it’s true. And like I mentioned already, I don’t have any kids, I’m not married, I live at home. So I have a lot more of that financial freedom, I guess, in the sense that I don’t have responsibilities and things that I have to pay for that are, you know, mean I can’t travel as much. And I always say, as and when things change, then my lifestyle will change. I will travel less. But, you know, I had a conversation with my dad because my dad had me fairly young. And he said that if he’d go back to around my age, then he’d travel more.
Lynn Beattie (42:39.761)
Yeah.
Lynn Beattie (42:45.809)
Yeah.
Kia (42:57.998)
you know, if you didn’t have me at that age, then that’s what you do. So I was like, well, I feel like the least I can do is honor you and travel, you know, on your behalf since you didn’t get to do it at my age. I’m just going to travel the world and see the world and send you FaceTime videos. You know, there you go.
Lynn Beattie (43:00.561)
Yeah.
Lynn Beattie (43:05.105)
Yeah!
Lynn Beattie (43:08.625)
Yeah.
Yeah. So what about what’s so let’s talk a little bit about saving for a house because it feels like an impossibility for my heart every time I hear like a young person just talk about the fact that they can’t buy a house because either they can’t save up the deposit or they can’t get the salary multiples because it costs so much to buy a
Kia (43:20.302)
Yes.
Kia (43:23.918)
Yep.
Lynn Beattie (43:41.777)
shitty little one bedroom flat in London. It just, it destroys me because it was just so different like 20 years ago or 25 years ago when I was buying my first property and it’s so unfair. So like average graduate salaries have not moved on in 25 years. Okay, so my graduate salary,
Kia (43:45.326)
And then.
Kia (44:07.118)
It’s crazy.
Lynn Beattie (44:10.289)
In 1999, when I started at HSBC with 25 grand, the average graduate salary is still 25, 30 grand. Like, what on earth has happened? Why are grad salaries not moving on? But yet the cost of an average house is like…
Kia (44:15.182)
Wow.
Kia (44:32.462)
It’s exponentially high. Yeah.
Lynn Beattie (44:33.105)
I just can’t wrap my head around the multiples that life has changed by, but salary hasn’t. So what do you hear from your community?
Kia (44:42.094)
Mm -hmm. Yeah, it’s crazy.
Kia (44:47.854)
Well, I think, like I mentioned, I’m kind of in that target audience that we also talk to. And a lot of people have initially given up on getting a house, especially because like I was born and raised in London, I moved to Ipswich about two years ago. So all I’ve ever known is really London. And living in London, if you don’t have parents who really live there, even renting, my friends who rent pretty much have little to no Swiss way income after they pay their rent and all their bills.
And it’s become impossible. So a lot of my friends, I think I was one of the first people to move out of London with my family. And a lot of my friends are looking elsewhere. So like, it’s just not feasible for me to become a homeowner in London. However, if I look an hour out or an hour and 45 out, I can now, this is looking like a possibility now. And I think a lot of people are having to come to terms with the fact that they’re gonna have to leave their family. Because that’s a lot of my friends, people that I know, born and raised in London, family still live in London. But you just, unless you’re staying at home and you’re not gonna spend your whole life creating your life at home.
you’re gonna have to move out and that might mean having sacrificed things like being closer friends and family. Yeah, because that’s the only way. Like one of my friends got married two years ago and her and her husband have had to move like an hour and a half out because they physically just can’t afford it. I remember before they got married, she was talking about maybe we’re gonna live in London. And I said, have a look at the prices. I don’t think you’re gonna live in London. And so when they came to give me their finance, I said, no, you can’t live in London. We’re gonna have to live all the way out. That’s the only way we can afford to actually live. And we’re both still.
or the beginning of our careers, we just can’t afford it.
Lynn Beattie (46:20.945)
But then there are little hotspots around the sort of just outside of the M25, which are a lot more bearable. So I live in Nebworth in Hertfordshire, so it takes me like 35 minutes to get to King’s Cross, but Nebworth is quite expensive. But if you go to Stevenage, which is really great hub, brilliant transport hubs to get anywhere in the country, and the train from Stevenage to King’s Cross is fast and it’s 20 minutes.
Kia (46:38.318)
Mm -hmm.
Lynn Beattie (46:49.457)
There are loads and loads of one bedroom, two bedroom flat developments in Stevenage near the train station, which are a lot, lot, lot more affordable than London. So I think, yeah, you’re right. You have to. Because I think people, but particularly women, I have this conversation with many people, they worry about, they want to live near where their social life is. But like,
Kia (46:59.918)
Mmm.
Kia (47:04.878)
You just have to look out.
Lynn Beattie (47:17.041)
Stevenage, all you gotta do is get to King’s Cross and then it’s 20 minutes to get out to Stevenage. Like, that’s quicker than a lot of tube journeys, isn’t it? So, yeah.
Kia (47:20.526)
Easy.
Kia (47:25.23)
100%. Yeah, even from my old house in London to central London is longer than it is to get from Stephenage into King’s Cross. So yeah, 100%.
Lynn Beattie (47:33.489)
Yeah. Yeah. So no, that’s, that’s, that’s a really good point. Right. I’m looking at the time we need to, there was other things on my list, but we’ve talked about so much because we’ve like meandered. But can you just share with everybody how they can find you, how they can listen to you, all your social stuff.
Kia (47:41.486)
Yep, done.
Kia (47:55.014)
Yeah, of course. So you can find me and the platform at Pennies to Pounds. That’s pennies IES to pounds on all platforms and the pennies to pounds podcast is on all podcast streaming platforms. So yeah, wherever you want to go, wherever you get your podcasts, wherever you get your information, we are on there as well.
Lynn Beattie (48:13.201)
Brilliant. Thank you ever so much. I love, I love, love, love talking to, you’re a different generation to me. Like I’m old enough to be your mum. But yeah, I know I look really young don’t I? It’s the freckles.
Kia (48:24.014)
Please. You already look old enough, Deline. You don’t. You don’t look old enough.
No, you do, honestly, you don’t. You don’t look old enough. You don’t.
Lynn Beattie (48:36.177)
I do look after my skin as I spend a lot of money on skincare.
Kia (48:40.846)
Maybe the 50 pounds is worth it then. Very cool bomb.
Lynn Beattie (48:44.529)
Maybe, but yeah, it was great to talk to you, Kia. I really appreciate your time. And yeah, everybody go give Kia a follow on social media and listen to the podcast, Kia’s as well as mine. Cool. Thank you so much.
Kia (48:45.838)
Hahaha!
Kia (48:50.254)
always.
Kia (48:55.822)
Yes, yes. Thank you so much for having me and yeah, thank you.
